HOA & PUD Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does HOA & PUD Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for HOA and PUD insurance — coverage for homeowners associations and planned unit developments.
What You Need to Know
HOA and PUD insurance covers common areas, shared amenities, and association liability for homeowners associations and planned unit developments.
HOA & PUD Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small HOA (10–50 units) | N/A | $3,000–$8,000/yr | Basic common area and liability coverage. |
| Large HOA (200+ units) | N/A | $15,000–$40,000/yr | Comprehensive coverage with D&O and fidelity. |
What Determines Your Premium?
- Community Size (High impact) — Larger communities with more units and amenities require higher coverage.
- Amenities (Medium impact) — Pools, gyms, playgrounds, and clubhouses increase liability exposure.